RBS (One Account) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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Is my firm on the
RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm apply to be on the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on RBS (One Account)’s changes. While utilising this technology is not a prerequisite for RBS (One Account) , demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your panel standing.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by RBS (One Account)

Mortgage companies often change their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 331 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 8.2 days. In total, 55% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

FAQs for the RBS (One Account) Solicitor Panel from members of the public

For what reasons could a law firm be excluded from the RBS (One Account) solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been excluded from a lender panel. The top reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by RBS (One Account)
My lawyer has discovered a discrepancy when comparing the assumptions in RBS (One Account)’s valuation report and what is in the legal papers for the property. My lawyer has advised that as he is on the RBS (One Account) conveyancing panel he needs to check that the lender is happy with this discrepancy and is content go ahead. Is my solicitor’s stance right?
A precondition to being on the RBS (One Account) approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS (One Account)) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
What tools are available to search for a local solicitor on the RBS (One Account) conveyancing panel? I have a car and am prepared to travel up to 25 kilometers to meet the lawyer.
Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the RBS (One Account) solicitor panel.
I am selling my house. Does my solicitor have to be on the RBS (One Account) conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the RBS (One Account) conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Can you point me to a directory of RBS (One Account) panel conveyancers on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Is it the case that all conveyancing solicitors on the RBS (One Account) conveyancing panel work on a no move no charge basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
I'm in the throws of viewing apartments and am about to put in an offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a home loan with RBS (One Account)
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with RBS (One Account) , make sure you remember to check that your lawyer is on the RBS (One Account) conveyancing panel.

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